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Personal Finance · head to head

Copilot Money vs Splitwise

Copilot Money logo

Copilot Money

Personal Finance

AI-powered personal finance assistant

From
Free
Rated
-
Full reviewWebsite
Splitwise logo

Splitwise

Personal Finance

Split expenses easily with friends

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Copilot Money apple only: web, iPhone, iPad and Mac, with no Android app; Splitwise the free tier limits how many expenses can be added in a day and shows adverts
  • They diverge on capability: Copilot Money covers AI-powered insights, Splitwise covers Bill splitting.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Copilot Money and Splitwise actually diverge.

Attributes where Copilot Money and Splitwise differ
AttributeCopilot MoneySplitwise
Pricing modelsubscriptionfreemium
Founded20202011

Identical on both: starting price (Free), free tier (Yes), platforms (Web, IOS, Android), user rating (Not yet rated), category (Personal Finance).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Copilot Money

  • AI-powered insights
  • Spending analysis
  • Budget optimization
  • Financial planning
  • Bank accounts
  • Credit cards

Only in Splitwise

  • Bill splitting
  • Expense tracking
  • Group management
  • Settlement tracking
  • Venmo
  • PayPal

Both cover

  • Web support
  • IOS support
  • Android support

What people use each for

The jobs each tool is most often brought in to do.

Copilot Money

  • Tracking spending across connected accountsnot Splitwise
  • Budgeting by category with automatic transaction taggingnot Splitwise
  • Investment and net worth trackingnot Splitwise
  • Reviewing recurring subscriptionsnot Splitwise

Splitwise

  • Splitting shared household bills between flatmatesnot Copilot Money
  • Tracking who owes what on a group tripnot Copilot Money
  • Settling up across currencies on the Pro plannot Copilot Money
  • Recording IOUs between friends over timenot Copilot Money

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Copilot Money

  • Apple only: web, iPhone, iPad and Mac, with no Android app
  • No free tier; $95 a year billed annually, which works out at $7.92 a month
  • The trial only starts once accounts are connected

Splitwise

  • The free tier limits how many expenses can be added in a day and shows adverts
  • Transaction import works in the United States only
  • Currency conversion, receipt scanning, charts and expense search are all Pro features
  • The Pro price is not shown on the product page

Pricing, plan by plan

Copilot Money

Free
  • Free TrialFree
    • No credit card required
    • Limited access to test the app
  • Paid Subscription$95/year
    • No ads
    • No hidden fees
    • Private data handling

Splitwise

Free
  • FreeFree
    • Bill splitting
    • Group tracking
    • Mobile app
  • Splitwise Pro$4.99/month
    • Receipt scanning
    • Advanced analytics
    • No ads

Which should you pick?

Choose Copilot Money if

  • You need ai-powered insights.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want spending analysis.
Copilot Money review

Choose Splitwise if

  • You need bill splitting.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want expense tracking.
Splitwise review

Questions people ask

Is Copilot Money or Splitwise better?
Neither clearly leads. Copilot Money starts at Free and Splitwise at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Copilot Money or Splitwise?
Copilot Money starts at Free and Splitwise at Free.
Does Copilot Money or Splitwise run on more platforms?
Both run on Web, IOS, Android, so platform support will not decide this one for you.
Can I use Copilot Money for free?
Both have a free tier, so you can try either at no cost before committing.
What is Copilot Money best used for?
Copilot Money is most often used for tracking spending across connected accounts, budgeting by category with automatic transaction tagging, investment and net worth tracking, reviewing recurring subscriptions. Of those, tracking spending across connected accounts and budgeting by category with automatic transaction tagging are not what Splitwise is typically brought in for.
What can Copilot Money do that Splitwise cannot?
Copilot Money covers AI-powered insights, Spending analysis, Budget optimization, Financial planning. Splitwise covers Bill splitting, Expense tracking, Group management, Settlement tracking. Both handle Web support, IOS support, Android support.

Answered from the vendors’ own pages

Copilot Money: How much does Copilot Money cost?

Copilot Money costs $95 per year when billed annually, which equals $7.92 per month. A free trial is available with no credit card required. A monthly subscription option exists but the specific monthly price is not listed on the website.

Source
Splitwise: Is there a free version of Splitwise?

Yes, Splitwise offers a free version available for iPhone, Android, and web with core features including adding groups and friends, splitting expenses, recording debts, equal or unequal splits, offline mode, and cloud sync.

Source
Copilot Money: Does Copilot Money have any hidden fees?

No, Copilot Money explicitly states there are no ads, no hidden fees, and your data stays private with the company focused on building the product.

Source
Splitwise: What is Splitwise PRO and how much does it cost?

Splitwise PRO is an upgrade offering receipt scanning, charts and graphs, currency conversion, and additional features. The specific price is not published on the main website; users must visit the subscription page or access the app to view pricing details.

Source
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